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Consumer Credit Counseling Services Help New York Residents Avoid Bankruptcy By : Abby Reid New York City is one of the most expensive cities in the United States. The cost of living is extremely high, and over 1.5 million city inhabitants live below the poverty line. Merchant Account Services: Facts To Know By : Steve4 Depraida4 Learning about the various Merchant account services It is a well known fact that the popularity of the credit cards as the de facto mode of payment is rising among the consumers. It is almost impossible to locate a company that does not have credit card payment system. People prefer credit card for its mobility and advantages over cash. When one wants to buy something he likes and lacks adequate cash, using the credit card remains the only option. Facts about Credit Card Payment By : Steve91 Depraida91 The importance of Credit card processing services for business owners It is quite amazing to think how technology and computers have changed human lives like never before. Two things that have revolutionized shopping and buying habits of people are internet and credit cards. The credit cards have empowered people with unprecedented buying powers. Using this plastic card one can buy anything even if he does not have cash with him. Moreover, one gets the option of buying first and paying later which is almost irresistible. How Can I Avoid Credit Card Scam-00-1050 By : dr.article Identity theft through credit card fraud has become increasingly common to the detriment of the common person. How Will Consumer Credit Counseling Services Eliminate My Debt? By : Abby Reid Participating in a debt management plan can initially seem uncomfortable, new or intimidating. Even though trained credit counselors help financially-troubled families and individuals avoid bankruptcy, changing your attitude toward money can be somewhat scary. The Truth About Online Credit Card Application That Only Few People Know By : AndyErnestpnp First of all, you ought to be aware that even though credit cards come with particular exciting perks such as cash prices or gift certificates, it does not give you the right to invest more than you are entitled to or you might end up in debt. Free Credit Score: Know Your Credit For Free By : jamespeter Free credit score is an effective tool that marks the credibility and trust of a person. It is used to assess the financial position of a person. It is a parameter that decides the lending of credit. 5 Tips To Buy A Car By : MEHANGA SINGH 1.The best advice I can give you is to take your time when looking for a car, and don't make any rash, emotional car buying decisions. Every car salesman you come into contact with will have only one thing on his or her mind; to get you to buy a car "today!" When you go for a creditcard you must acknowledge what a creditcard genuinely is.-00-802 By : Godfrey Philander We can delimitate credit-cards as a credit structure that allows the client to accept money on the fly from a acquirer or a financial institution and use it to Tips to Help You to Getting a Great Car Deal By : hindustani If there is a high demand for a certain car, or if the supply of that vehicle is low you can expect the dealer to hold the line on price. He's not going to give you much of a discount. In some cases, when very popular new models come out and the supply is initially low, some car dealers will not sell the vehicle unless you are willing to pay above sticker price! The credit card may more useful for your own business than you think By : thanakit Now, The business cards are past the level is useful, and now a growing need for companies and businesses around the world. Enterprises of all complexity now enjoy the benefits of business cards. Some will argue that, despite popular belief, small businesses benefit more from this form of payment. Get Targeted Website Traffic With Rich Niche Articles! By : subhash.nov2008 Content is still the King of the Internet. Most people go online looking for information about their favorite topics, or about whatever is on their mind at the moment. Frequent Internet users seem to have an insatiable appetite for information on various fields. Are You Paying Too Much For Your Credit Card Debt? By : Nicholas Hunt Credit cards are one of the most common causes of debt problems. Are you handling your card debt as efficiently as you could? What Are Some Of The Causes Of Bad Credit? By : Michael D. Strauss As economic times get harder, more and more people are developing a bad credit rating. What exactly does this entail, and what are the causes? Top Three Alternatives to Unsecured Business Loans By : unsecuredpen There are many alternatives to getting a loan from a lender. Information about Credit Card Machines By : Wholesale CC Know about Credit Card Machines One cannot do without a credit card in today’s world. It is compact and is lot more easy to carry compared to the bunch of cash and coins. Many of the shop owners have realized the potential to increase their business if they accept the credit cards from their customers. To accept the credit cards from the customers you need a credit card machine. Most of the shops and big retail outlets install processing machines for credit cards, so that the transactions can be smooth. Free 3 In 1 Credit Report: check your credit score instantly By : Charle Lawrence A free 3 in 1 credit report is a combined credit report from all the three credit bureaus. It is essential to check these reports regularly to avoid personal information theft and also to maintain a good credit score. Discover the Myths and Facts about Credit Cards By : Creditscorecowboy.com According to the Government Accountability Office, near 75% of American families have at least one credit card and every year more people are trying to get approved at least a second one. Disadvantages of Debt Settlement By : Creditscorecowboy.com Debt settlement is the process of settling debt by the debtor with the creditor. Upon debt settlement a third party or the debtor himself negotiates with the creditor to repay a reduced debt. Determine Financial matters prior to Marriage By : Creditscorecowboy.com Planning a wedding should include a special chapter between groom and bride to determine a number of financial matters prior to their marriage, instead of discussing them after the first marital problems arise. The Credit Scoring By : Creditscorecowboy.com There are many myths and facts about credit, but Credit Scoring is a reality affecting your credit history, whether positively or negatively. You may be needing to borrow money and perhaps you are considering applying for a mortgage or loan encouraged by the many advertisements encouraging you to do so. Correcting your Credit Report By : Creditscorecowboy.com If you have never seen your credit report you may be surprised the kinds of things that might be there. Everyone makes mistakes and even one small typo can give you a bad credit score. Insurance - The Fastest Rising Trend By : Andy79 Andy79 Consort Money- Advertise Business through Financial News and Articles Consort Money helps finance professionals and businesses in increasing their market presence through consort money advertisements, newsletters, articles, and news. Why, A Zero APR Credit Card May Save up You Money By : thanakit Credit card companies provide many different types of credit cards, and them gives a good deal of sense to review for each one card offer carefully in order to decide which provide is the best for you. Hurting Your Lender One Modification at a Time By : Clancy Fort Even the words depending on who's listening either send shivers up their spine or send the hope of a possibility. Those words are "Mortgage Modification". To the lenders this is a horrible scenario which is sending the entire economy into a new dimension of pain. The after effects are still materiali SMALL BUSINESS CREDIT CARDS - THINGS YOU SHOULD KNOW By : Rkjain Business Credit Cards are a necessity for small business owners these days. A few points to consider and remember while choosing the bank from where you get your small business credit cards and the offers you choose are enlisted in this article. Citi Cards, Chase and Amex Cards are some of the most popular business and consumer credit cards today. Bad Credit Credit Cards - Many Different Types By : Arthor Pens Most bad credit credit cards were primarily designed to make it easier to get if you have a poor credit history and gives a chance to re-build a consumers credit score. Credit Card Interest and Bad Credit By : Arthor Pens Bad credit, credit card interest rates are how lending institutions make there money, but the amount of money depends on the consumers credit history. Debt Weight By : Brad L Hodges "Debt Weight" is the same as "Dead Weight" it weighs you down dragging with it your self esteem, your financial security and your very freedom to enjoy the pursuit of happiness. In America we have many freedoms not the least of which is to enjoy the fruits of our labor in the way of buying what we wa Free Instant Credit Report: Instant Way To Know Your Credit By : Charle Lawrence Free instant credit report is a free of cost service that is very useful if a person needs his credit report instantly. This report can be accessed online. Fighting Your Way Out Of Bad Credit By : Martin Sumner No one would choose to have a bad credit rating, but it's a situation that millions fall into whether through misfortune or mismanagement. Having poor credit isn't the end of the world - there are several established ways of clearing up your problems and getting your credit rating back on track. Credit Card Debt Compromise By : Brad L Hodges Regardless of the stage you are in the debt cycle; ready to file bankruptcy or simply a month behind on your payments, there are always alternatives to look at.One of the options is to use a credit card consolidation company; which will help you pay your debt off but may charge you to do so at the sa Recommended Consumer Credit Counseling Services By : Brad L Hodges To answer the needs of the many Americans who are in debt, many non-profit organizations have been established to help these people solve their financial problems. Among the best known of these non-profits is American Consumer Credit Counseling.The American Consumer Credit Counseling is an organizati All About Start U p Loans By : unsecuredpen There are many places you can go to get a start up business loan and you should check out a few to compare terms. Making The Most Of Credit Card Balance Transfer Facilities By : Michael D. Strauss Balance transfers are a very popular reason for getting a new credit card. What exactly are they, and how do you use them to best effect? Credit Cards That Offer Instant Approval By : h-bomb1 elance1 Instantly Approved Credit Cards There are so many benefits to getting a credit card online and next time you want to get a credit card, forget about waiting in queues and wasting time applying in a bank. Rather go online and find one of the best credit cards that offer instant approval. This method is so much easier, more advanced, more convenient, and will make your life a pleasure when you need money in a hurry. Perhaps your paycheck has not cleared yet, or perhaps you have been doing poorly this month in your sales. Well, this kind of online credit card will help you until you get back on your feet again and because it is approved instantly you can just apply from the comfort of your home or office and not waste any time at all. Bad Credit - Credit Cards are Offered by Many Issuers By : Arthor Pens Bad credit - credit cards are offered by many financial institutions to help people regain a good credit score. They also can allow a person with poor to bad credit a chance to obtain a credit card and in today's time that is almost a necessity. Credit Cards - It Is Possible! By : JohnJames Foremost, the less you know about credit cards, the far more likely you’re to fall into credit card debts; it’s possible to protect yourself against this by Startling Facts Regarding Credit Cards That Will Interest You. By : JohnJames First off, you ought to be aware that although credit cards come with particular exciting perks like cash prices or gift certificates, it does not give you the What You Should Know About Unsecured Personal Loans And Unsecured Loans By : unsecuredpen If you cannot find a lender willing to give you an unsecured line of credit you can usually qualify for a credit card, but using a credit card for your cash needs can be risky as many have fees and very high interest. Look into all your options so that you can get the best deal possible on your cred A Brief Guide To Finding The Best Credit Card By : Michael D. Strauss With such a number of credit cards on the market, it makes sense to examine your options carefully to make sure you're getting the best deal. What features should you be paying attention to when making your choice? What You Should Be Looking For In A 0% Credit Card By : Michael D. Strauss Credit cards with a 0% interest offer can offer valuable benefits to their account holders. What do you need to consider when choosing between the various cards on offer. Know More about Merchant Account By : Merchant Provider Know More about Merchant Account A merchant account is an agreement under which an acquiring bank or other financial institution extends a mutual credit line to a merchant who wishes to accept payment by credit card transaction with a specific card association brand. Without execution of such type of contract no merchant can accept payment by any of the credit card brands. Loan Modification , helping you keep your house & live more affordably By : Ken Henderson M3 Legal Services is the law offices of Leland L. Moglen. We are full service Loan Modification firm Helping our clients with their mortgage situation. The Art of Credit Card Negotiation By : Brad L Hodges Regardless of the stage you are in the debt cycle; ready to file bankruptcy or simply a month behind on your payments, there are always alternatives to look at. A logical choice is to use a company that specializes in consolidating debt but will probably charge you for the service. Perhaps a better c Settle Your Credit Card Debt through Debt Negotiation Program By : Article Submitter With a view to a solve credit card debt, credit card debt negotiation program has been introduced. Apart from easy accessibility, this program is considered as a win-win situation for both. Credit Cards and Fraud By : Arthor Pens With The extreme use of credit cards, and especially that use compounded by the secret avenues of the internet, can put the common consumer in a vulnerable position to become a fraud victim. Different Methods of Borrowing Money By : Jenny Austin This means that, in the even of a sale due to default, the original lenders claim will first be met in full (if possible) and if sufficient surplus then remains, the second mortgagee's charge comes into play. The Home Loans By : Mike Smith Purchasing a home is one of the most important decisions in the life of an individual. Here are some of the factors to consider while taking a home loan and how to compare the rate of interests before finally settling on a housing loan. Make process of procuring a home a pleasant one. Can A Hard Pull Affect Your Credit Score? When You Should Worry. By : Bill Lingle A Credit Pull or “Hard Pull” on your credit report is when someone accesses your credit history and it has an impact on your credit score. Let me emphasize the part has an impact on your credit score. A “Soft Pull” on your credit report can yield the same information but not have an impact on your credit score. Learn when to worry about a hard pull and when the impact on your credit score can really hurt you! Charging It - The True Cost Of Credit Card Debts By : Andrea Flint Everyone knows that having large amounts of credit card debt is not a good position to be in. However, as today's economic problems show, overuse of credit can have even more serious implications. Why You Need A Credit Card By : Michael D. Strauss Once viewed as an exotic and even unnecessary thing to carry, credit cards have now become ubiquitous. Indeed, it's becoming evermore difficult to take part in modern society if you don't carry a card. Children and Proper Money Management By : Joe Larson Kids and budgets are two things that you don't often think go together. I used to joke that my kids could actually smell when I had cash on me, and they would say, “Dad I need...” They seemed to know exactly how much cash I had at all times. Applying Business Skills To Your Non Profit To Lift Performance By : Naz Daud Running a business and a non profit has more similarities than you might expect. While the end goal of a business and non profit are both materially different, the ways of reaching the differing goals can often be the same. Low Rate For Life Balance Transfer Credit Cards By : Michael D. Strauss Credit cards that offer a low rate for life offer a kind of finance that's cheaper than almost any other. Find out how to use the facility to best effect. Turning Lead Into Gold - Getting A Credit Card With Bad Credit By : Michael D. Strauss More and more people are picking up bad credit ratings as the economy continues to worsen. This doesn't necessarily have to mean you can't get a new credit card though. Why Comparing Credit Cards Before Applying Is So Important By : Michael D. Strauss With so many credit cards of different kinds on the market today, it really pays to choose carefully. Read how to effectively compare cards from different issuers and get the right one for your situation. Business Credits-The Best Financing For Your Business By : Gary Surrency The business credit is one of the most popular form of business loans. The noticeable feature of business credit is that, it is easier to get a business credit than any other forms of business loans. The Business Credit By : Gary Surrency In any business, you will have to pay your suppliers in time to keep getting the products and run your business in a smooth way. However, you won’t be having the cash in your hand all the time to make the purchases. Business Credit- Essential For Small Business By : Gary Surrency If you’re about to start a new business or currently running a small business, establishing a business credit is a great idea. The most important fact for establishing business credit in small business is that lending institutions, credit card issuers and vendors will establish business credit without the need of any personal guarantee. The advantage of using prepaid cards By : compareprepaid2 compareprepaid2 Selecting the best prepaid cards The arrival and growth of use of the credit cards have enabled people with unprecedented buying power. Using a card one can buy any thing he wants at many places over the world. The relief from the need of carrying cash is seriously a big advantage. But credit cards have their drawbacks as well. There are many instances in which people, particularly the impulsive buyer can not resist the temptation of ads and end up buying more than their range. This often results in credit card debts. That is why the concept of using the prepaid credit card is gaining popularity nowadays. Debt Consolidation is definitely better than Bankruptcy By : Jhoana Cooper Whether it is possible for you to avoid bankruptcy and resort to some other solution will depend on how much you are in debt. But bankruptcy should be selected as the last resort when all else fails. What is best suited to your debt requirements can be decided by a debt professional. It is advisable to depend on a professional as a wrong decision made could land you into the fire from the frying pan. If you do not avoid bankruptcy, the black mark will haunt your credit report for ten whole years Why choose a debt consolidation loan? By : Jhoana Cooper Unfortunately, hard working people have times in their lives when it’s really difficult to pay their bills due to the monthly expenses they have to face. In this case, those of you who are in this situation may find that a consolidation debt program is exactly what you need. Debt consolidation is meant to help you by consolidating your credit debt and reducing monthly payments. Credit counseling information By : Jhoana Cooper Many people make several uninspired financial decisions and they end up with a lot of debts and with no idea how to pay them off. This is where counseling agencies come in and the truth is that they keep gaining grounds lately due to the fact that they provide customers with advice on how to control their money and manage their debts. The great thing about credit counseling is that most reputable companies will offer it without trying to get you sign up with them. Types of debt consolidation loans By : Jhoana Cooper All of your expenses which summed up exceed your income will lead to debts. As much as you try repaying them, nothing seems to work and you end up making extra loans to cover the preceding ones. In this situation, you will have to look for debt management advice in order to cover all of your existing loans. Credit counseling – better choices for a better future By : Jhoana Cooper One thing is for sure: financial loans are solicited every second. But are they really the best choices for the solicitor, or are they made in a hurry without knowing all the facts? Sadly, there is a significant number of people that apply for loans and do not know the whole story. 4 Things to Know About iPhone Movie Downloads By : Kyle Gentile Is lowering you credit limit a good way to improve your FICO score? If you are a consumer trying to improve your FICO score you should know. Do Auto Rewards Cards Help You Cut Your Costs? By : Emelly Goldstone Credit card companies and car manufacturers offer auto credit cards that allow you to earn considerable rewards. Find out what priviliges you can get owning such a card. Banking Made Easy With Splash Credit Cards By : compareprepaid compareprepaid Maestro Card - The Best Among Prepaid Cards The maestro card is an apt solution for easy shopping, paying bills and other monthly subscriptions. They are very easy to avail and have lots of benefits for the cardholders. Usually, prepaid cards are reloaded cards that are issued by a certain bank to the user so that he/ she can make easy payments for the purchases that they make. These cards are very much similar to the credit and debit cards but cannot be used beyond a certain limit of money amount. That means, the cardholder can make purchases up to a predetermined limit and cannot exceed further beyond that limit. Reduce your debt with Debt Consolidation By : Jhoana Cooper With so much of debt help available to consumers nowadays, you are sure to get a choice appropriate to your financial situation. Debt consolidation, credit counseling, debt management software and companies are some of options you can delve into. Continue studying them to see which technique would be best to get yourself back on the track. Benefits of Debt Consolidation! By : Jhoana Cooper You might have seen a whole lot of TV commercials or entire websites dedicated to debt consolidation. But how exactly does it work and what can it do for you are the questions probably running through your mind. Here we will enumerate the benefits that you get by signing up for debt help with a debt consolidation company. Why you should opt for a Debt Management Plan By : Jhoana Cooper In a debt management plan or DMP you are assisted by expert professionals who will instruct you on how to solve your debt problems so that you can avoid bankruptcy. When you are looking for debt help, you must make sure you look for an agency that is trustworthy. You can study a bit about the background of the agency before you decide to hire their services. Debt management consultants that are trained well can really help you get out of debt and provide you ways to do well financially. On the o Best ways to Avoid Bankruptcy By : Jhoana Cooper Have you ever wondered how one should avoid bankruptcy? There are millions of people who have become debt free after avoiding bankruptcy. Here you will find a few options on how to avoid avoid bankruptcy, save your credit and achieve financial freedom. Life subsequent to bankruptcy would most often be worse than before the bankruptcy. So it would be wise to obtain debt help to make sure you get out of the situation once and for all. How to get real Debt Relief By : Jhoana Cooper Thousands of people are looking for debt relief every year. If you are looking for ways and means to get yourself out of debt, you will find there is a lot of help you can get. The million dollar question is whether you can get that debt help in time. A lot of people keep postponing it and as a result get deeper into debt. When bankruptcy becomes the only option to debt relief, then they start to lose all hope. There are a lot of debt management companies that provide you various services from d Hot Checks - NSF Checks: The Challenge By : Kelly Brown An NSF Check is a check that was returned to the merchant because there was Non- Sufficient Funds, or not enough money in the check writers account to cover the check at the time that it cleared the merchants Bank. Prepaid Credit Cards - An Option For The Credit Impaired Customer By : Michael D. Strauss While it's certainly possible to get a credit card when you have a bad credit rating, it can be very expensive. A prepaid card can offer the convenience without the cost. A FICO Score versus a Credit Score By : Kyle Gentile If you have a credit score do you also have a FICO score? What is the difference between the two? There are several things to know about each and the difference. Late Payments and a Good FICO Score By : Kyle Gentile How are late payments weighed into your FICO score? There are three different criteria for judging late payments. Find out what they are. What Is Credit Card Universal Default? By : Michael D. Strauss Most people are aware that your credit card company may raise the interest rate if you miss a payment. What's less well known is that missing payments on other finance can also push up your card's APR. Student Credit Cards - A Safe Choice For College Students By : Michael D. Strauss College students have very particular needs from a credit card. Luckily, more and more issuers are bringing out products specifically tailored to those needs. Making The Most Of Credit Card Cashback And Rewards Deals By : Michael D. Strauss Credit card cashback and rewards programs can be a very powerful benefit if used properly. How can you maximize their advantages? How Easy Is It To Be Approved For A Credit Card? By : Michael D. Strauss Although the days of cheap and easy borrowing appear to be over, many people are still looking for new new credit card options. How easy is it for your application to be approved? How Can You Get A Credit Card With A Bad Credit Rating? By : Michael D. Strauss Credit cards are almost an essential these days, almost replacing cash in a lot of situations. Yet, if you have a poor credit rating, you might struggle to be approved for a card. Is there anything you can do to remedy the situation? Credit Score Scale – FICO Score versus VantageScore By : Kyle Gentile There is an emerging rival of the FICO score. The VantageScore is relatively new and will its use change the credit scoring industry? It is hard to tell, but you should know how each credit score scale works. Credit Questions and Answers By : Matthew Stollinas The following questions can guide you in dealing with poor credit ratings or bad debt, regardless of whether this is your first experience with credit or if you already have established credit that is preventing you from buying a home. Improve Your Credit Score – Where to start By : Kyle Gentile Where to start when trying to improve your credit score? Your credit score is what your score is based on and should be where you start. Find out what is on report and what to look for. What a FICO Score Does For Me and You By : Kyle Gentile You try to focus on getting a good FICO score, but what do you as a consumer get in return? There are three different things FICO scores provide consumers that they might not even realize. Find out what they are. Credit Repair Guide To Quickly Improve Your Credit Score By : Jim Olivero Can you repair my credit? The main thing with bad credit repair is to make a conscientious effort to pay your bills on time. There are critical factors that affect your credit score. Does Shopping Around For Credit Hurt a Good FICO Score By : Kyle Gentile You want to get a loan and find the best one, but you are not sure if repeat viewing of your credit report will hurt your good FICO score. Find out how the FICO formula weighs applications for credit into your FICO score. Learn More About Prepaid Credit Card And Its Uses By : raffick marday4455 raffick marday4455 Find Out All About Debit Cards Debit cards are widely used by people all over the country to make purchases and meet expenses. These cards are more beneficial than credit cards as they do not have additional expenses in the form of line of credit. This is the era of new-age banking and easy payments, where the process of making overseas payments has been simplified as much as buying a grocery product over the counter. One of the main reasons for this easy mode of payments available can be accredited to the presence of debit cards. Three Tips on How to Get a Free Online FICO Score By : Kyle Gentile Are you applying for a mortgage? If so you need you FICO score, but is there really such a thing as a free FICO score. There are three things to know before you go looking for one. What Is A Good FICO Score And How to Get One By : Kyle Gentile If you are wondering what is a good FICO score, you need to find out. It could save you a ton of money. If you don’t have one you need to get one. The majority of the score is based on two things. Find out what they are and how to improve them. Four Things to Know About the Credit Score Scale By : Kyle Gentile Your credit score is something that is almost ambiguous because of the multiple factors that go into it. Your credit worthiness is graded by your credit score, but how do you know if you are doing well. You have to have a basic understanding of the rating system used, the credit scoring scale and there are four things to know before getting your credit score and applying for a loan. Is 700 a Good Credit Score? By : Kyle Gentile This three digit number has a major effect on your life. You need to understand what is considered good and by what standards. Higher the credit score the better is the rule, but find out where 700 falls. Make Credit Card Balance Transfers Work For You By : Michael D. Strauss The premise behind credit card balance transfers is fairly simple, but different cards offer different benefits and opportunities. Find out what you need to know to get the most out of these popular deals. Why a small business enterprise is better and wiser By : kyle A Small Business enterprise is better for a business begginer and a Business Credit Card will help you througout the startup process of your business. A small business credit card may be just for you – it's not a hassle and you get to work with a few people only. How to Increase a Credit Score by Focus on the Most Important Thing By : Kyle Gentile Do you know how to increase your credit score? There are many different ways. There is one simple way to increase a credit score. Read about what it is and how you can make sure it happens. Credit Firms Can Help You to Get Rid of the Debts By : Mathew Petrenko There are many produces that may be purchased in credit and people utilize these services more and more frequently. The result of rapid development of this area is obvious – a lot of persons have got significant debt free. What crucial measures ought to be taken in case of developing of debts? If you can not pay monthly payments credit organization begins to take definite measures. There are frequently some insignificant fines for the missed first monthly payment. The Truth about How to Obtain a Free FICO Score By : Kyle Gentile Are you looking to obtain a free FICO score? There are several things you should know about getting a free FICO score. Two tips are covered in detail before you obtain a free FICO score. First Steps To Choosing A Credit Card By : Michael D. Strauss With the sometimes bewildering amount of credit cards on offer, you need to narrow your options down before making your choice. How you plan to use your card is a major factor in deciding which cards to look more closely at.
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